You will be responsible for paying the deductible to the repair shop. This can be paid by cash, check or VISA/Mastercard on completion of the work. The insurance company is responsible for paying for the balance of the repairs. While it is the insurance company's responsibility to pay their share of the damage, it is the customer, or vehicle owner's ultimate responsibility to make sure all repair costs are paid. All work is performed for you, the customer, not your insurance company.